/* Money Digital landing — design tokens & components */

:root {
  --color-primary: #005DF2;
  --color-primary-hover: #004BC4;
  --color-primary-soft: #E6EFFE;
  --color-white: #FFFFFF;
  --color-surface: #EFF1F5;
  --color-border: #EAEAEA;
  --color-text: #0F0F0F;
  --color-text-secondary: #5C5F66;
  --color-accent-yellow: #F7B801;
  --color-warning-bg: #FEF4D6;
  --color-warning-text: #6B4F00;
  --color-error: #FB4D3D;

  --gradient-hero: linear-gradient(180deg, #DCE8FD 0%, #FFFFFF 100%);
  --gradient-band: linear-gradient(135deg, #005DF2 0%, #3D86F5 100%);

  --font: -apple-system, BlinkMacSystemFont, "SF Pro Text", "Inter", "Segoe UI", Roboto, Arial, sans-serif;

  --radius-card: 16px;
  --radius-btn: 12px;
  --radius-compliance: 14px;
  --radius-icon: 12px;
  --radius-faq: 14px;

  --container: 1200px;
  --pad-x: 20px;
  --section-y: 64px;
  --header-h: 64px;
  --scroll-offset: 88px;

  --ease: 150ms ease;
  --faq-ease: 200ms ease;
}

@media (min-width: 1024px) {
  :root {
    --pad-x: 24px;
    --section-y: 96px;
    --header-h: 72px;
  }
}

*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

body {
  font-family: var(--font);
  font-size: 16px;
  font-weight: 400;
  line-height: 1.6;
  color: var(--color-text);
  background: var(--color-white);
  -webkit-font-smoothing: antialiased;
}

body.menu-open {
  overflow: hidden;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: var(--color-primary);
  text-decoration: none;
  transition: color var(--ease);
}

a:hover {
  color: var(--color-primary-hover);
}

ul,
ol {
  list-style: none;
}

button {
  font-family: inherit;
  cursor: pointer;
  border: none;
  background: none;
}

:focus-visible {
  outline: 3px solid #005DF2;
  outline-offset: 2px;
}

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding-left: max(var(--pad-x), env(safe-area-inset-left));
  padding-right: max(var(--pad-x), env(safe-area-inset-right));
}

.container--narrow {
  max-width: 760px;
}

.section {
  padding-top: var(--section-y);
  padding-bottom: var(--section-y);
}

.section--surface {
  background: var(--color-surface);
}

[id] {
  scroll-margin-top: var(--scroll-offset);
}

/* Typography */
.eyebrow {
  display: block;
  font-size: 12px;
  font-weight: 600;
  line-height: 1.4;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--color-primary);
}

@media (min-width: 1024px) {
  .eyebrow {
    font-size: 13px;
  }
}

h1,
.h1 {
  font-size: 34px;
  font-weight: 700;
  line-height: 1.15;
  color: var(--color-text);
}

@media (min-width: 1024px) {
  h1,
  .h1 {
    font-size: 52px;
  }
}

h2,
.h2 {
  font-size: 26px;
  font-weight: 700;
  line-height: 1.2;
  color: var(--color-text);
}

@media (min-width: 1024px) {
  h2,
  .h2 {
    font-size: 36px;
  }
}

h3,
.h3 {
  font-size: 18px;
  font-weight: 600;
  line-height: 1.3;
  color: var(--color-text);
}

@media (min-width: 1024px) {
  h3,
  .h3 {
    font-size: 20px;
  }
}

.body-l {
  font-size: 17px;
  font-weight: 400;
  line-height: 1.55;
}

@media (min-width: 1024px) {
  .body-l {
    font-size: 19px;
  }
}

.small {
  font-size: 13px;
  font-weight: 400;
  line-height: 1.5;
}

@media (min-width: 1024px) {
  .small {
    font-size: 14px;
  }
}

.text-secondary {
  color: var(--color-text-secondary);
}

/* Section header */
.section-header {
  margin-bottom: 32px;
}

@media (min-width: 1024px) {
  .section-header {
    margin-bottom: 48px;
  }
}

.section-header .h2 {
  margin-top: 12px;
}

.section-header .body-l {
  margin-top: 16px;
  max-width: 640px;
  color: var(--color-text-secondary);
}

/* Placeholder highlight */
.placeholder {
  background: #FEF4D6;
  color: var(--color-warning-text);
  padding: 0 4px;
  border-radius: 4px;
  font-weight: 600;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  height: 52px;
  padding: 0 28px;
  font-size: 16px;
  font-weight: 600;
  line-height: 1;
  border-radius: var(--radius-btn);
  transition: background-color var(--ease), color var(--ease), border-color var(--ease);
  white-space: nowrap;
  text-decoration: none;
}

.btn--primary {
  background: var(--color-primary);
  color: var(--color-white);
}

.btn--primary:hover {
  background: var(--color-primary-hover);
  color: var(--color-white);
}

.btn--secondary {
  background: var(--color-surface);
  color: var(--color-text);
}

.btn--secondary:hover {
  background: #E3E6EC;
  color: var(--color-text);
}

.btn--sm {
  height: 44px;
  padding: 0 20px;
}

/* App Store badge */
.badge-appstore {
  display: inline-block;
  height: 48px;
  transition: opacity var(--ease);
}

.badge-appstore img {
  height: 100%;
  width: auto;
}

.badge-appstore:hover {
  opacity: 0.85;
  color: inherit;
}

@media (min-width: 1024px) {
  .badge-appstore {
    height: 52px;
  }
}

/* Cards */
.card {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-card);
  padding: 24px;
  transition: border-color var(--ease);
}

@media (min-width: 1024px) {
  .card {
    padding: 28px;
  }

  .card:hover {
    border-color: #D5DAE3;
  }
}

.card__desc {
  margin-top: 8px;
  color: var(--color-text-secondary);
}

/* Feature / why blocks — OnCredit-style large icons */
.feature {
  text-align: center;
  padding: 8px 4px 16px;
}

.feature__icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 88px;
  height: 88px;
  margin: 0 auto 20px;
  color: var(--color-primary);
  background: none;
  border: none;
  transition: transform 320ms ease;
}

.feature__icon img {
  width: 88px;
  height: 88px;
  object-fit: contain;
}

.feature .h3 {
  margin-top: 0;
}

.feature .card__desc {
  max-width: 280px;
  margin-left: auto;
  margin-right: auto;
}

.feature--why {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-card);
  padding: 32px 24px 28px;
  transition: border-color var(--ease);
}

@media (min-width: 1024px) {
  .feature--why:hover {
    border-color: #D5DAE3;
  }

  .feature__icon {
    width: 104px;
    height: 104px;
    margin-bottom: 24px;
  }

  .feature__icon img {
    width: 104px;
    height: 104px;
  }
}

/* ========== Header ========== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  height: var(--header-h);
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid transparent;
  transition: border-color var(--ease);
  padding-top: env(safe-area-inset-top);
}

.site-header.is-scrolled {
  border-bottom-color: var(--color-border);
}

.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-h);
  gap: 16px;
}

.logo {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
  color: var(--color-text);
  text-decoration: none;
}

.logo:hover {
  color: var(--color-text);
}

.logo svg,
.logo img {
  height: 44px;
  width: 44px;
  object-fit: cover;
  border-radius: 12px;
  flex-shrink: 0;
  margin-right: 0;
  display: block;
}

.logo__text {
  font-size: 18px;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--color-text);
  white-space: nowrap;
  margin-left: 2px;
}

@media (min-width: 1024px) {
  .logo {
    gap: 14px;
  }

  .logo svg,
  .logo img {
    height: 48px;
    width: 48px;
  }

  .logo__text {
    font-size: 20px;
  }
}

.nav {
  display: none;
  align-items: center;
  gap: 32px;
}

.nav a {
  font-size: 15px;
  font-weight: 500;
  color: var(--color-text);
  line-height: 1;
}

.nav a:hover {
  color: var(--color-primary);
}

.header-cta {
  display: none;
}

.burger {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  color: var(--color-text);
  border-radius: var(--radius-btn);
  flex-shrink: 0;
}

.burger svg {
  width: 24px;
  height: 24px;
}

.burger[aria-expanded="true"] .burger__open {
  display: none;
}

.burger[aria-expanded="true"] .burger__close {
  display: block;
}

.burger__close {
  display: none;
}

@media (min-width: 1024px) {
  .nav {
    display: flex;
    position: absolute;
    left: 50%;
    transform: translateX(-50%);
  }

  .header-cta {
    display: inline-flex;
  }

  .burger {
    display: none;
  }

  .site-header__inner {
    position: relative;
  }
}

/* Mobile menu */
.mobile-menu {
  display: none;
  position: fixed;
  top: calc(var(--header-h) + env(safe-area-inset-top));
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--color-white);
  z-index: 99;
  padding: 8px max(var(--pad-x), env(safe-area-inset-left)) max(24px, env(safe-area-inset-bottom));
  overflow-y: auto;
  flex-direction: column;
}

.mobile-menu.is-open {
  display: flex;
}

.mobile-menu a {
  display: flex;
  align-items: center;
  height: 56px;
  font-size: 17px;
  font-weight: 500;
  color: var(--color-text);
  border-bottom: 1px solid var(--color-border);
}

.mobile-menu a:hover {
  color: var(--color-primary);
}

.mobile-menu__badge {
  margin-top: auto;
  padding-top: 32px;
  display: flex;
  justify-content: center;
}

@media (min-width: 1024px) {
  .mobile-menu {
    display: none !important;
  }
}

/* ========== Hero ========== */
.hero {
  background: var(--gradient-hero);
  padding-top: 40px;
  padding-bottom: 48px;
}

.hero__grid {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 40px;
}

.hero__content {
  width: 100%;
}

.hero__content .eyebrow {
  margin-bottom: 16px;
}

.hero__content .h1 {
  margin-bottom: 16px;
}

.hero__content .body-l {
  color: var(--color-text-secondary);
  margin-bottom: 28px;
  max-width: 540px;
}

.hero__badge {
  display: flex;
  justify-content: center;
}

.hero__perks {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-top: 24px;
  align-items: flex-start;
}

.hero__perk {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--color-text);
}

.hero__perk svg {
  width: 18px;
  height: 18px;
  color: var(--color-primary);
  flex-shrink: 0;
}

.perk-check {
  display: inline-flex;
  flex-shrink: 0;
}

.hero__visual {
  width: 100%;
  max-width: 320px;
  aspect-ratio: 1 / 1;
}

.hero__visual img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  animation: hero-float 5.5s ease-in-out infinite;
}

@media (min-width: 768px) {
  .hero__visual {
    max-width: 400px;
  }

  .hero__badge {
    justify-content: flex-start;
  }

  .hero__perks {
    flex-direction: row;
    flex-wrap: wrap;
    gap: 16px 24px;
  }
}

@media (min-width: 1024px) {
  .hero {
    min-height: 620px;
    display: flex;
    align-items: center;
    padding-top: 48px;
    padding-bottom: 64px;
  }

  .hero__grid {
    flex-direction: row;
    align-items: center;
    gap: 48px;
  }

  .hero__content {
    flex: 0 0 55%;
    max-width: 55%;
  }

  .hero__visual {
    flex: 0 0 45%;
    max-width: 520px;
  }
}

/* ========== Compliance ========== */
.compliance-wrap {
  padding-top: 32px;
  padding-bottom: var(--section-y);
}

.compliance {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  background: var(--color-warning-bg);
  border: 1px solid rgba(247, 184, 1, 0.45);
  border-radius: var(--radius-compliance);
  padding: 20px 24px;
}

.compliance__icon {
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  color: var(--color-accent-yellow);
  animation: compliance-soft 2.8s ease-in-out infinite;
}

.compliance__icon svg {
  width: 32px;
  height: 32px;
  display: block;
}

.compliance__title {
  font-size: 16px;
  font-weight: 600;
  line-height: 1.4;
  color: var(--color-warning-text);
  margin-bottom: 4px;
}

.compliance__text {
  font-size: 15px;
  font-weight: 400;
  line-height: 1.55;
  color: var(--color-warning-text);
}

/* ========== Features grid ========== */
.features-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
}

@media (min-width: 768px) {
  .features-grid {
    grid-template-columns: 1fr 1fr;
    gap: 40px 32px;
  }
}

@media (min-width: 1024px) {
  .features-grid {
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
  }
}

.why-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
}

@media (min-width: 1024px) {
  .why-grid {
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
  }
}

/* ========== How it works ========== */
.steps {
  display: flex;
  flex-direction: column;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-card);
  overflow: hidden;
}

.steps__item {
  padding: 28px 24px;
  position: relative;
}

.steps__item + .steps__item {
  border-top: 1px dashed var(--color-border);
}

.steps__num {
  font-size: 14px;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 12px;
}

.steps__item .h3 {
  margin-bottom: 8px;
}

.steps__item p {
  color: var(--color-text-secondary);
}

.steps__item--accent {
  background: var(--color-primary);
  color: var(--color-white);
}

.steps__item--accent .steps__num,
.steps__item--accent .h3,
.steps__item--accent p {
  color: var(--color-white);
}

.steps__badge {
  display: flex;
  justify-content: center;
  margin-top: 40px;
}

@media (min-width: 768px) {
  .steps {
    flex-direction: row;
  }

  .steps__item {
    flex: 1;
    padding: 32px 28px;
  }

  .steps__item + .steps__item {
    border-top: none;
    border-left: 1px dashed var(--color-border);
  }
}

/* ========== Loan info ========== */
.loan-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
}

@media (min-width: 1024px) {
  .loan-grid {
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
  }
}

.loan-card {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-card);
  overflow: hidden;
  background: var(--color-white);
}

.loan-card__head {
  display: flex;
  align-items: center;
  justify-content: center;
  height: 52px;
  background: var(--color-primary);
  color: var(--color-white);
  font-size: 17px;
  font-weight: 600;
  text-align: center;
  padding: 0 12px;
}

.loan-card__body {
  padding: 24px;
  text-align: center;
}

.loan-card__value {
  font-size: 22px;
  font-weight: 700;
  line-height: 1.3;
  color: var(--color-text);
}

.loan-card__note {
  margin-top: 8px;
  color: var(--color-text-secondary);
}

.loan-example {
  margin-top: 32px;
  background: var(--color-surface);
  border-radius: var(--radius-card);
  padding: 28px;
}

.loan-example__title {
  font-size: 17px;
  font-weight: 600;
  margin-bottom: 12px;
}

.loan-example p {
  color: var(--color-text);
}

/* ========== Download band ========== */
.download-band {
  position: relative;
  isolation: isolate;
  background:
    radial-gradient(ellipse 70% 90% at 12% 20%, rgba(255, 255, 255, 0.22) 0%, transparent 55%),
    radial-gradient(ellipse 55% 70% at 92% 78%, rgba(0, 40, 140, 0.35) 0%, transparent 60%),
    radial-gradient(circle at 70% 15%, rgba(125, 185, 255, 0.35) 0%, transparent 40%),
    linear-gradient(135deg, #005DF2 0%, #2F7AF0 48%, #3D86F5 100%);
  padding: 48px 0;
  overflow: hidden;
}

.download-band::before,
.download-band::after {
  content: "";
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
  z-index: 0;
}

.download-band::before {
  width: min(420px, 55vw);
  height: min(420px, 55vw);
  top: -18%;
  right: -8%;
  background: radial-gradient(circle, rgba(255, 255, 255, 0.16) 0%, transparent 70%);
}

.download-band::after {
  width: min(320px, 48vw);
  height: min(320px, 48vw);
  bottom: -22%;
  left: -6%;
  border: 1px solid rgba(255, 255, 255, 0.14);
  background: transparent;
  box-shadow: inset 0 0 0 40px rgba(255, 255, 255, 0.04);
}

.download-band__grid {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 28px;
}

.download-band__content {
  width: 100%;
  text-align: center;
}

.download-band__content .h2 {
  color: var(--color-white);
  margin-bottom: 16px;
}

.download-band__content .body-l {
  color: rgba(255, 255, 255, 0.85);
  margin-bottom: 28px;
  max-width: 480px;
  margin-left: auto;
  margin-right: auto;
}

.download-band__badge {
  display: flex;
  justify-content: center;
}

.download-band__phone {
  width: 170px;
  flex-shrink: 0;
}

@media (min-width: 768px) {
  .download-band__phone {
    width: 190px;
  }
}

@media (min-width: 1024px) {
  .download-band {
    padding: 52px 0;
  }

  .download-band__grid {
    flex-direction: row;
    align-items: center;
    justify-content: center;
    gap: 36px;
  }

  .download-band__phone {
    order: 0;
    flex: 0 0 auto;
    width: 190px;
    max-width: 190px;
    display: flex;
    justify-content: center;
    align-self: center;
    margin-left: 0;
  }

  .download-band__phone .iphone {
    margin-bottom: 0;
    max-width: 190px;
  }

  .download-band__content {
    order: -1;
    flex: 0 1 560px;
    max-width: 560px;
    text-align: left;
    padding-bottom: 0;
  }

  .download-band__content .body-l {
    margin-left: 0;
    max-width: 520px;
  }

  .download-band__badge {
    justify-content: flex-start;
  }
}

/* iPhone mockup */
.iphone {
  width: 100%;
  max-width: 280px;
  background: #0F0F0F;
  border-radius: 36px;
  border: 8px solid #0F0F0F;
  overflow: hidden;
  position: relative;
  aspect-ratio: 9 / 19.5;
}

.iphone__island {
  position: absolute;
  top: 2.8%;
  left: 50%;
  transform: translateX(-50%);
  width: 26%;
  max-width: 54px;
  height: 4.2%;
  max-height: 16px;
  min-height: 12px;
  background: #0F0F0F;
  border-radius: 999px;
  z-index: 2;
}

.iphone__screen {
  width: 100%;
  height: 100%;
  background: var(--color-surface);
  border-radius: 28px;
  overflow: hidden;
}

.iphone__screen img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.download-band .iphone {
  border-width: 7px;
  border-radius: 30px;
}

.download-band .iphone__screen {
  border-radius: 24px;
}

.download-band .iphone__island {
  width: 24%;
  max-width: 46px;
  height: 3.8%;
  max-height: 14px;
  top: 2.6%;
}

/* ========== FAQ ========== */
.faq-layout {
  display: flex;
  flex-direction: column;
  gap: 32px;
}

.faq-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
  flex: 1;
}

.faq-item {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-faq);
  background: var(--color-white);
  overflow: hidden;
}

.faq-item__q {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  width: 100%;
  padding: 20px 24px;
  font-size: 17px;
  font-weight: 600;
  line-height: 1.4;
  color: var(--color-text);
  text-align: left;
  list-style: none;
  cursor: pointer;
  min-height: 44px;
}

.faq-item__q::-webkit-details-marker,
.faq-item__q::marker {
  display: none;
  content: "";
}

.faq-item__chevron {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  color: var(--color-text-secondary);
  transition: transform var(--faq-ease);
}

.faq-item[open] .faq-item__chevron {
  transform: rotate(180deg);
}

.faq-item__a {
  padding: 0 24px 20px;
  color: var(--color-text-secondary);
  overflow: hidden;
}

@media (min-width: 1024px) {
  .faq-layout {
    flex-direction: row;
    gap: 64px;
    align-items: flex-start;
  }

  .faq-layout .section-header {
    flex: 0 0 calc(100% * 4 / 12);
    max-width: calc(100% * 4 / 12);
    position: sticky;
    top: 120px;
    margin-bottom: 0;
  }

  .faq-list {
    flex: 0 0 calc(100% * 8 / 12 - 64px);
    max-width: calc(100% * 8 / 12);
  }
}

/* ========== Contact ========== */
.contact {
  border-top: 1px solid var(--color-border);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
  max-width: 960px;
  margin-left: auto;
  margin-right: auto;
}

@media (min-width: 768px) {
  .contact-grid {
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
  }
}

@media (min-width: 1024px) {
  .contact-grid {
    grid-template-columns: repeat(3, 1fr);
    gap: 40px;
    max-width: 1040px;
  }
}

.contact-item {
  text-align: center;
}

.contact-item__icon {
  color: var(--color-primary);
  margin-bottom: 16px;
  width: 72px;
  height: 72px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-left: auto;
  margin-right: auto;
  background: none;
  transition: transform 280ms ease;
}

.contact-item__icon img {
  width: 72px;
  height: 72px;
  object-fit: contain;
}

.contact-item:hover .contact-item__icon {
  transform: translateY(-3px);
}

@media (min-width: 1024px) {
  .contact-item__icon {
    width: 88px;
    height: 88px;
    margin-bottom: 20px;
  }

  .contact-item__icon img {
    width: 88px;
    height: 88px;
  }
}

.contact-item__label {
  font-size: 14px;
  font-weight: 600;
  margin-bottom: 8px;
  color: var(--color-text);
}

.contact-item__value {
  color: var(--color-text);
  word-break: normal;
  overflow-wrap: anywhere;
}

.contact-item__value a[href^="mailto:"] {
  white-space: nowrap;
  overflow-wrap: normal;
  word-break: keep-all;
  font-size: 15px;
}

.contact-item__value a {
  color: var(--color-text);
}

.contact-item__value a:hover {
  color: var(--color-primary);
}

.contact-more {
  margin-top: 32px;
  text-align: center;
}

.contact-more a {
  font-weight: 600;
  font-size: 16px;
}

/* ========== Contact page ========== */
.contact-hero {
  background: var(--gradient-hero);
  padding: 48px 0 40px;
}

.contact-hero .h1 {
  margin-top: 12px;
  margin-bottom: 16px;
  font-size: 28px;
}

@media (min-width: 1024px) {
  .contact-hero {
    padding: 72px 0 56px;
  }

  .contact-hero .h1 {
    font-size: 40px;
  }
}

.contact-hero .body-l {
  max-width: 640px;
}

.contact-page {
  padding-top: 32px;
}

.contact-cards {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  max-width: 1100px;
  margin-left: auto;
  margin-right: auto;
}

@media (min-width: 768px) {
  .contact-cards {
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
  }
}

@media (min-width: 1024px) {
  .contact-cards {
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 24px;
    max-width: 1120px;
  }
}

.contact-card {
  display: block;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-card);
  padding: 32px 20px;
  text-decoration: none;
  color: inherit;
  text-align: center;
  transition: border-color var(--ease), transform 280ms ease;
  min-width: 0;
}

a.contact-card:hover {
  border-color: #D5DAE3;
  color: inherit;
  transform: translateY(-3px);
}

.contact-card__icon {
  margin-bottom: 20px;
  display: flex;
  justify-content: center;
}

.contact-card__icon img {
  width: 64px;
  height: 64px;
  object-fit: contain;
}

.contact-card__label {
  font-size: 14px;
  font-weight: 600;
  margin-bottom: 8px;
}

.contact-card__value {
  font-size: 16px;
  font-weight: 600;
  line-height: 1.4;
  word-break: normal;
  overflow-wrap: normal;
  margin-bottom: 8px;
}

a.contact-card[href^="mailto:"] .contact-card__value {
  white-space: nowrap;
  font-size: 14px;
  letter-spacing: -0.01em;
}

@media (min-width: 1024px) {
  a.contact-card[href^="mailto:"] .contact-card__value {
    font-size: 15px;
  }
}

.contact-card__hint {
  margin: 0;
}

.section-header--center {
  text-align: center;
}

.section-header--center .body-l {
  margin-left: auto;
  margin-right: auto;
}

.support-steps {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
}

@media (min-width: 768px) {
  .support-steps {
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
  }
}

.support-step {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-card);
  padding: 28px 24px;
}

.support-step__num {
  display: block;
  font-size: 14px;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 12px;
}

.support-step .h3 {
  margin-bottom: 8px;
}

.contact-note {
  background: var(--color-surface);
  border-radius: var(--radius-card);
  padding: 28px 24px;
}

@media (min-width: 1024px) {
  .contact-note {
    padding: 40px 36px;
  }
}

.contact-note__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
}

@media (min-width: 768px) {
  .contact-note__grid {
    grid-template-columns: 1fr 1fr;
    gap: 48px;
  }
}

.contact-note__list {
  margin-top: 16px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.contact-note__list li {
  position: relative;
  padding-left: 20px;
  color: var(--color-text-secondary);
  line-height: 1.5;
}

.contact-note__list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.55em;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--color-primary);
}

.contact-note__foot {
  margin-top: 28px;
  padding-top: 20px;
  border-top: 1px solid var(--color-border);
}

.contact-cta {
  margin-top: 0;
}

.nav a[aria-current="page"] {
  color: var(--color-primary);
}

/* ========== Footer ========== */
.site-footer {
  background: var(--color-text);
  color: #C9CBD1;
  padding: 56px 0 32px;
  padding-bottom: max(32px, env(safe-area-inset-bottom));
}

.footer__top {
  display: flex;
  flex-direction: column;
  gap: 40px;
}

@media (min-width: 1024px) {
  .footer__top {
    flex-direction: row;
    justify-content: space-between;
    gap: 48px;
  }

  .footer__brand {
    flex: 1;
    max-width: 320px;
  }

  .footer__col {
    flex: 0 0 auto;
  }
}

.footer__logo {
  display: inline-flex;
  margin-bottom: 12px;
}

.footer__logo .logo__text {
  color: var(--color-white);
}

.footer__tagline {
  color: #C9CBD1;
}

.footer__col-title {
  font-size: 14px;
  font-weight: 600;
  color: var(--color-white);
  margin-bottom: 16px;
}

.footer__links {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer__links a {
  color: var(--color-white);
  font-size: 14px;
}

.footer__links a:hover {
  color: var(--color-primary);
}

.footer__divider {
  height: 1px;
  background: rgba(255, 255, 255, 0.12);
  margin: 40px 0 24px;
}

.footer__bottom {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer__copy,
.footer__disclaimer {
  color: #C9CBD1;
}

/* ========== Legal pages ========== */
.legal {
  padding-top: 48px;
  padding-bottom: var(--section-y);
}

.legal .h1 {
  font-size: 28px;
}

@media (min-width: 1024px) {
  .legal .h1 {
    font-size: 36px;
  }
}

.legal__updated {
  margin-top: 12px;
  margin-bottom: 40px;
  color: var(--color-text-secondary);
}

.legal__body h2 {
  font-size: 22px;
  font-weight: 700;
  margin-top: 40px;
  margin-bottom: 16px;
}

.legal__body h2:first-child {
  margin-top: 0;
}

.legal__body p {
  margin-bottom: 16px;
}

.legal__body ul,
.legal__body ol {
  margin-bottom: 16px;
  padding-left: 24px;
}

.legal__body ul {
  list-style: disc;
}

.legal__body ol {
  list-style: decimal;
}

.legal__body li {
  margin-bottom: 8px;
}

.legal__body a {
  text-decoration: underline;
}

.legal__placeholder {
  background: var(--color-warning-bg);
  border: 1px dashed rgba(247, 184, 1, 0.45);
  border-radius: var(--radius-card);
  padding: 32px 24px;
  color: var(--color-warning-text);
  font-weight: 600;
  text-align: center;
}

/* Visually hidden */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

/* ========== Icon & motion (subtle) ========== */
@keyframes hero-float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}

@keyframes compliance-soft {
  0%, 100% { transform: scale(1); }
  50% { transform: scale(1.06); }
}

@keyframes tick-draw {
  from { stroke-dashoffset: 16; }
  to { stroke-dashoffset: 0; }
}

.card--icon-anim:hover .feature__icon {
  transform: translateY(-4px);
}

.perk-check__tick {
  stroke-dasharray: 16;
  stroke-dashoffset: 16;
  animation: tick-draw 500ms ease forwards;
}
.hero__perk:nth-child(1) .perk-check__tick { animation-delay: 0.2s; }
.hero__perk:nth-child(2) .perk-check__tick { animation-delay: 0.4s; }
.hero__perk:nth-child(3) .perk-check__tick { animation-delay: 0.6s; }

.loan-card {
  transition: border-color 280ms ease, transform 280ms ease;
}
@media (min-width: 1024px) {
  .loan-card:hover {
    border-color: #D5DAE3;
    transform: translateY(-3px);
  }
}

.steps__item {
  transition: background-color 280ms ease;
}
@media (min-width: 1024px) {
  .steps__item:not(.steps__item--accent):hover {
    background: #f7f9fc;
  }
}

.faq-item {
  transition: border-color 200ms ease;
}
.faq-item:hover {
  border-color: #D5DAE3;
}

@media (prefers-reduced-motion: reduce) {
  .hero__visual img,
  .compliance__icon,
  .perk-check__tick {
    animation: none !important;
  }

  .card--icon-anim:hover .feature__icon,
  .contact-item:hover .contact-item__icon,
  .loan-card:hover {
    transform: none !important;
  }
}